For informational purposes only. This tool provides an educational estimate to help you think through your auto coverage decisions. It is not an appraisal, insurance valuation, or financial advice. Always consult your advisor or insurance professional before making coverage changes.
Your Vehicle
Select the options that best describe your car
Excellent
Good
Fair
Poor
None
Hail Damage
Minor (1-2)
Major
Prior Total Loss
Your Full Coverage Cost
What you currently pay for comprehensive and collision
Comp + collision portion only, not your total auto premium.
Estimated Actual Cash Value
--
Likely range: -- to --
Coverage Analysis
Estimated vehicle value (ACV)--
Your deductible--
Max payout if vehicle is totaled--
Annual full coverage premium
Premium as % of vehicle value--
Years of premiums to equal max payout--
How to read this: A common rule of thumb is that full coverage may not be worth carrying when the annual premium exceeds 10% of the vehicle's value, or when the maximum payout after your deductible is low enough that a total loss wouldn't cause serious financial harm. Use this as a starting point for a conversation with your financial advisor.